You might be eligible for a PCP car finance claim if:

• Brokers or lenders used Discretionary Commission Arrangements (DCA on car finance) to inflate your interest rates for higher commissions.
• You were charged more than necessary due to inflated interest rates.
• The terms of your agreement weren’t explained properly, leaving you unclear about ownership or repayment details.
• The lender didn’t check whether you could afford the agreement.

If any of these sound familiar, use our car finance claims check to start your claim.

You might have a mis sold car finance agreement if:

• Your interest rate was higher than necessary.
• The dealer or broker earned a commission they didn’t disclose to you.
• The terms of your agreement were unclear or misleading.

Our PCP claims checker can quickly confirm if you’re eligible for a refund.

Yes, you can still pursue a claim even if your lender has ceased trading. The FCA’s ban on DCAs applies to all affected agreements, regardless of the lender’s current status. If your lender is no longer in operation, you can still make a claim against the dealer or broker who arranged your agreement. At Refund My Claim, we specialise in assisting clients through this process, ensuring you have the support needed to reclaim your compensation.

Mis-selling of PCP car finance often happens when:

• Dealers set high interest rates to increase their commissions.
• Commissions tied to your agreement weren’t disclosed to you.
• The agreement wasn’t suitable for your financial situation.

These unfair practices have led to thousands of PCP claims in the UK, helping clients recover the compensation they deserve.